Rewards Mastercard^®

• Foreign transaction fee: 2% of the transaction amount in U.S. dollars for School Employee, Inspire and Share-Secured credit cards, includes internet transactions made when you are in the United States, but the merchant processes the transaction in a foreign country. Balance transfers are the transfer of balances from other lenders to your SchoolsFirst FCU credit card and cannot be applied to any amount you owe under any other credit agreement or account you have with SchoolsFirst FCU. There is no grace period for cash advances. Interest begins accruing from the posting date of the cash advance. See disclosures for School Employee Mastercard, Inspire Mastercard, Rewards Mastercard and Share-Secured Mastercard.
• To bring you this benefit, Mastercard has partnered with Generali, a global leader in identity protection for over 15 years.
• Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Mastercard card to secure transactions. Please refer to your Guide to Benefits for further details or call (800) 627-8372 for assistance.

• Terms and conditions apply.
• If the outstanding loan balance is greater than $100,000, the rate will not be applied to the amount that exceeds $100,00. Loss of Life will provide 25% of the protected balance or $25,000 (whichever is less) after the last day of the month the protected individual reaches age 75.

Payment Shield Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Payment Shield Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

DP-8525895.1-1025-1127